Resource transfer authorization decision engine

ABSTRACT

Systems, computer program products, and methods are described herein for authorization of resource allocation across an electronic network environment. The present invention is configured to receive a resource distribution request for distribution of resources from a resource distribution repository of a user to the first entity; retrieve one or more operational decision rules associated with the first entity; deny the distribution of resources from the resource distribution repository of the user to the first entity based on the operational rules; retrieve, from the resource distribution authorization database, at least one resource distribution decision matrix associated with the first entity; override the denial of the distribution of the resources from the resource distribution repository of the user to the first entity based on at least the resource distribution decision matrix; and initiate an execution of the distribution of resources associated with the resource distribution request.

FIELD OF THE INVENTION

The present invention embraces a system for authorization of resourceallocation and/or distribution across an electronic network environment.

BACKGROUND

Due to communication and design constraints of existing resourcedistribution networks, users have little control over the instantaneousauthorization or denial of resource distribution to or from theiraccounts. The ability to proactively control resource distributionconstraints can be cumbersome and costly to implement. As such, a needexists for an improved approach to resource distribution that allows fortailored operational decision rules to be easily implemented based onspecific user-defined criteria.

SUMMARY

The following presents a simplified summary of one or more embodimentsof the present invention, in order to provide a basic understanding ofsuch embodiments. This summary is not an extensive overview of allcontemplated embodiments, and is intended to neither identify key orcritical elements of all embodiments nor delineate the scope of any orall embodiments. Its sole purpose is to present some concepts of one ormore embodiments of the present invention in a simplified form as aprelude to the more detailed description that is presented later.

In one aspect, a system for authorization of resource allocation acrossan electronic network environment is presented. The system comprising:at least one non-transitory storage device; and at least one processingdevice coupled to the at least one non-transitory storage device,wherein the at least one processing device is configured to:electronically receive, from a computing device associated with a firstentity, a resource distribution request for distribution of resourcesfrom a resource repository of a user to the first entity, wherein thefirst entity is associated with one or more entities; retrieve one ormore operational decision rules associated with the first entity,wherein the one or more operational decision rules are associated withthe distribution of resources from the resource repository of the userto the first entity; deny the distribution of resources from theresource repository of the user to the first entity based on at leastretrieving the one or more operational decision rules associated withthe first entity; initiate a communication link with a resourcedistribution authorization database, wherein the resource distributionauthorization database comprises one or more resource distributiondecision matrix for one or more resource distribution requestsassociated with the one or more entities; electronically retrieve, fromthe resource distribution authorization database, at least one resourcedistribution decision matrix associated with the first entity; overridethe denial of the distribution of the resources from the resourcerepository of the user to the first entity based on at least theresource distribution decision matrix; and initiate an execution of thedistribution of resources associated with the resource distributionrequest.

In some embodiments, the at least one processing device is furtherconfigured to: allow the distribution of resources from the resourcerepository of the user to the first entity based on at least retrievingthe one or more operational decision rules associated with the firstentity; electronically retrieve, from the resource distributionauthorization database, the at least one resource distribution decisionmatrix associated with the first entity; override the allowance of thedistribution of the resources from the resource repository of the userto the first entity based on at least the resource distribution decisionmatrix; and deny the distribution of resources from the resourcerepository of the user to the first entity.

In some embodiments, the one or more operational decision rules furthercomprises restrictions for distribution of resources based on at least aresource amount, resource distribution frequency, resource distributionrecipient entity, and/or other user-defined criteria.

In some embodiments, the resource distribution decision matrix comprisesone or more conditions associated with the one or more resourcedistribution requests associated with the one or more entities, whereinthe one or more conditions are associated with the one or moreoperational decision rules associated with the one or more resourcedistribution requests associated with the one or more entities.

In some embodiments, the at least one processing device is furtherconfigured to: electronically receive, via a computing device associatedwith an administrator, the one or more conditions associated with theone or more resource distribution requests associated with the one ormore entities; and update the resource distribution decision matrix withthe one or more conditions.

In some embodiments, the at least one processing device is furtherconfigured to: electronically receive information associated with theone or more resource distribution requests that have been authorized ordenied based on the one or more operational decision rules;electronically receive, via a computing device associated with the user,one or more user inputs validating the authorization or denial of theone or more resource distribution requests; implement one or moremachine learning algorithms on the information associated with the oneor more resource distribution requests that have been authorized ordenied based on the one or more operational decision rules, the one ormore operational decision rules, and the one or more user inputsvalidating the authorization or denial of the one or more resourcedistribution requests; and classify the one or more resourcedistribution requests based on at least implementing the one or moremachine learning algorithms.

In some embodiments, the at least one processing device is furtherconfigured to: electronically receive the classification of the one ormore resource distribution requests; generate the one or more conditionsassociated with the one or more resource distribution requestsassociated with the one or more entities based on at least receiving theclassification of the one or more resource distribution requests; andupdate the resource distribution decision matrix with the one or moregenerated conditions.

In another aspect, a computer implemented method for authorization ofresource allocation across an electronic network environment ispresented. The method comprising: electronically receiving, from acomputing device associated with a first entity, a resource distributionrequest for distribution of resources from a resource repository of auser to the first entity, wherein the first entity is associated withone or more entities; retrieving one or more operational decision rulesassociated with the first entity, wherein the one or more operationaldecision rules are associated with the distribution of resources fromthe resource repository of the user to the first entity; denying thedistribution of resources from the resource repository of the user tothe first entity based on at least retrieving the one or moreoperational decision rules associated with the first entity; initiatinga communication link with a resource distribution authorizationdatabase, wherein the resource distribution authorization databasecomprises one or more resource distribution decision matrix for one ormore resource distribution requests associated with the one or moreentities; electronically retrieving, from the resource distributionauthorization database, at least one resource distribution decisionmatrix associated with the first entity; overriding the denial of thedistribution of the resources from the resource repository of the userto the first entity based on at least the resource distribution decisionmatrix; and initiating an execution of the distribution of resourcesassociated with the resource distribution request.

In yet another aspect, a computer program product for authorization ofresource allocation across an electronic network environment, thecomputer program product comprising a non-transitory computer-readablemedium comprising code causing a first apparatus to: electronicallyreceive, from a computing device associated with a first entity, aresource distribution request for distribution of resources from aresource repository of a user to the first entity, wherein the firstentity is associated with one or more entities; retrieve one or moreoperational decision rules associated with the first entity, wherein theone or more operational decision rules are associated with thedistribution of resources from the resource repository of the user tothe first entity; deny the distribution of resources from the resourcerepository of the user to the first entity based on at least retrievingthe one or more operational decision rules associated with the firstentity; initiate a communication link with a resource distributionauthorization database, wherein the resource distribution authorizationdatabase comprises one or more resource distribution decision matrix forone or more resource distribution requests associated with the one ormore entities; electronically retrieve, from the resource distributionauthorization database, at least one resource distribution decisionmatrix associated with the first entity; override the denial of thedistribution of the resources from the resource repository of the userto the first entity based on at least the resource distribution decisionmatrix; and initiate an execution of the distribution of resourcesassociated with the resource distribution request.

The features, functions, and advantages that have been discussed may beachieved independently in various embodiments of the present inventionor may be combined with yet other embodiments, further details of whichcan be seen with reference to the following description and drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

Having thus described embodiments of the invention in general terms,reference will now be made the accompanying drawings, wherein:

FIG. 1 illustrates technical components of a system for authorization ofresource allocation across an electronic network environment, inaccordance with an embodiment of the invention; and

FIG. 2 illustrates a process flow for authorization of resourceallocation across an electronic network environment, in accordance withan embodiment of the invention.

DETAILED DESCRIPTION OF EMBODIMENTS OF THE INVENTION

Embodiments of the present invention will now be described more fullyhereinafter with reference to the accompanying drawings, in which some,but not all, embodiments of the invention are shown. Indeed, theinvention may be embodied in many different forms and should not beconstrued as limited to the embodiments set forth herein; rather, theseembodiments are provided so that this disclosure will satisfy applicablelegal requirements. Where possible, any terms expressed in the singularform herein are meant to also include the plural form and vice versa,unless explicitly stated otherwise. Also, as used herein, the term “a”and/or “an” shall mean “one or more,” even though the phrase “one ormore” is also used herein. Furthermore, when it is said herein thatsomething is “based on” something else, it may be based on one or moreother things as well. In other words, unless expressly indicatedotherwise, as used herein “based on” means “based at least in part on”or “based at least partially on.” Like numbers refer to like elementsthroughout.

As used herein, an “entity” may be any institution employing informationtechnology resources and particularly technology infrastructureconfigured for processing large amounts of data. Typically, these datacan be related to the people who work for the organization, its productsor services, the customers or any other aspect of the operations of theorganization. As such, the entity may be any institution, group,association, financial institution, establishment, company, union,authority or the like, employing information technology resources forprocessing large amounts of data.

As described herein, a “user” may be an individual associated with anentity. As such, in some embodiments, the user may be an individualhaving past relationships, current relationships or potential futurerelationships with an entity. In some embodiments, a “user” may be anemployee (e.g., an associate, a project manager, an IT specialist, amanager, an administrator, an internal operations analyst, or the like)of the entity or enterprises affiliated with the entity, capable ofoperating the systems described herein. In some embodiments, a “user”may be any individual, entity or system who has a relationship with theentity, such as a customer or a prospective customer. In otherembodiments, a user may be a system performing one or more tasksdescribed herein.

As used herein, a “user interface” may be any device or software thatallows a user to input information, such as commands or data, into adevice, or that allows the device to output information to the user. Forexample, the user interface includes a graphical user interface (GUI) oran interface to input computer-executable instructions that direct aprocessing device to carry out specific functions. The user interfacetypically employs certain input and output devices to input datareceived from a user second user or output data to a user. These inputand output devices may include a display, mouse, keyboard, button,touchpad, touch screen, microphone, speaker, LED, light, joystick,switch, buzzer, bell, and/or other user input/output device forcommunicating with one or more users.

As used herein, an “engine” may refer to core elements of a computerprogram, or part of a computer program that serves as a foundation for alarger piece of software and drives the functionality of the software.An engine may be self-contained, but externally-controllable code thatencapsulates powerful logic designed to perform or execute a specifictype of function. In one aspect, an engine may be underlying source codethat establishes file hierarchy, input and output methods, and how aspecific part of a computer program interacts or communicates with othersoftware and/or hardware. The specific components of an engine may varybased on the needs of the specific computer program as part of thelarger piece of software. In some embodiments, an engine may beconfigured to retrieve resources created in other computer programs,which may then be ported into the engine for use during specificoperational aspects of the engine. An engine may be configurable to beimplemented within any general purpose computing system. In doing so,the engine may be configured to execute source code embedded therein tocontrol specific features of the general purpose computing system toexecute specific computing operations, thereby transforming the generalpurpose system into a specific purpose computing system.

As used herein, a “resource” may generally refer to objects, products,devices, goods, commodities, services, and the like, and/or the abilityand opportunity to access and use the same. Some example implementationsherein contemplate property held by a user, including property that isstored and/or maintained by a third-party entity. In some exampleimplementations, a resource may be associated with one or more accountsor may be property that is not associated with a specific account.Examples of resources associated with accounts may be accounts that havecash or cash equivalents, commodities, and/or accounts that are fundedwith or contain property, such as safety deposit boxes containingjewelry, art or other valuables, a trust account that is funded withproperty, or the like. For purposes of this invention, a resource istypically stored in a resource repository—a storage location where oneor more resources are organized, stored and retrieved electronicallyusing a computing device.

As used herein, a “resource transfer,” “resource distribution,” or“resource allocation” may refer to any transaction, activities orcommunication between one or more entities, or between the user and theone or more entities. A resource transfer may refer to any distributionof resources such as, but not limited to, a payment, processing offunds, purchase of goods or services, a return of goods or services, apayment transaction, a credit transaction, or other interactionsinvolving a user's resource or account. In the context of an entity suchas a financial institution, a resource transfer may refer to one or moreof: a sale of goods and/or services, initiating an automated tellermachine (ATM) or online banking session, an account balance inquiry, arewards transfer, an account money transfer or withdrawal, opening abank application on a user's computer or mobile device, a user accessingtheir e-wallet, or any other interaction involving the user and/or theuser's device that invokes or is detectable by the financialinstitution. In some embodiments, the user may authorize a resourcetransfer using at least a payment instrument (credit cards, debit cards,checks, digital wallets, currency, loyalty points), and/or paymentcredentials (account numbers, payment instrument identifiers). Aresource transfer may include one or more of the following: renting,selling, and/or leasing goods and/or services (e.g., groceries, stamps,tickets, DVDs, vending machine items, and the like); making payments tocreditors (e.g., paying monthly bills; paying federal, state, and/orlocal taxes; and the like); sending remittances; loading money ontostored value cards (SVCs) and/or prepaid cards; donating to charities;and/or the like. Unless specifically limited by the context, a “resourcetransfer” a “transaction”, “transaction event” or “point of transactionevent” may refer to any activity between a user, a merchant, an entity,or any combination thereof. In some embodiments, a resource transfer ortransaction may refer to financial transactions involving direct orindirect movement of funds through traditional paper transactionprocessing systems (i.e. paper check processing) or through electronictransaction processing systems. In this regard, resource transfers ortransactions may refer to the user initiating a purchase for a product,service, or the like from a merchant. Typical financial transactionsinclude point of sale (POS) transactions, automated teller machine (ATM)transactions, person-to-person (P2P) transfers, internet transactions,online shopping, electronic funds transfers between accounts,transactions with a financial institution teller, personal checks,conducting purchases using loyalty/rewards points etc. When discussingthat resource transfers or transactions are evaluated it could mean thatthe transaction has already occurred, is in the process of occurring orbeing processed, or it has yet to be processed/posted by one or morefinancial institutions. In some embodiments, a resource transfer ortransaction may refer to non-financial activities of the user. In thisregard, the transaction may be a customer account event, such as but notlimited to the customer changing a password, ordering new checks, addingnew accounts, opening new accounts, adding or modifying accountparameters/restrictions, modifying a payee list associated with one ormore accounts, setting up automatic payments, performing/modifyingauthentication procedures and/or credentials, and the like.

As used herein, “payment instrument” may refer to an electronic paymentvehicle, such as an electronic credit or debit card. The paymentinstrument may not be a “card” at all and may instead be accountidentifying information stored electronically in a user device, such aspayment credentials or tokens/aliases associated with a digital wallet,or account identifiers stored by a mobile application. In accordancewith embodiments of the invention, the term “module” with respect to anapparatus may refer to a hardware component of the apparatus, a softwarecomponent of the apparatus, or a component of the apparatus thatcomprises both hardware and software. In accordance with embodiments ofthe invention, the term “chip” may refer to an integrated circuit, amicroprocessor, a system-on-a-chip, a microcontroller, or the like thatmay either be integrated into the external apparatus or may be insertedand removed from the external apparatus by a user.

As used herein, “authentication credentials” may be any information thatcan be used to identify of a user. For example, a system may prompt auser to enter authentication information such as a username, a password,a personal identification number (PIN), a passcode, biometricinformation (e.g., voice authentication, a fingerprint, and/or a retinascan), an answer to a security question, a unique intrinsic useractivity, such as making a predefined motion with a user device. Thisauthentication information may be used to authenticate the identity ofthe user (e.g., determine that the authentication information isassociated with the account) and determine that the user has authorityto access an account or system. In some embodiments, the system may beowned or operated by an entity. In such embodiments, the entity mayemploy additional computer systems, such as authentication servers, tovalidate and certify resources inputted by the plurality of users withinthe system. The system may further use its authentication servers tocertify the identity of users of the system, such that other users mayverify the identity of the certified users. In some embodiments, theentity may certify the identity of the users. Furthermore,authentication information or permission may be assigned to or requiredfrom a user, application, computing node, computing cluster, or the liketo access stored data within at least a portion of the system.

As used herein, an “interaction” may refer to any communication betweenone or more users, one or more entities or institutions, and/or one ormore devices, nodes, clusters, or systems within the system environmentdescribed herein. For example, an interaction may refer to a transfer ofdata between devices, an accessing of stored data by one or more nodesof a computing cluster, a transmission of a requested task, or the like.

FIG. 1 presents an exemplary block diagram of the system environment forauthorization of resource allocation across an electronic networkenvironment 100, in accordance with an embodiment of the invention. FIG.1 provides a unique system that includes specialized servers and systemcommunicably linked across a distributive network of nodes required toperform the functions of the process flows described herein inaccordance with embodiments of the present invention.

As illustrated, the system environment 100 includes a network 110, asystem 130, and a user input system 140. Also shown in FIG. 1 is a userof the user input system 140. The user input system 140 may be a mobiledevice or other non-mobile computing device. The user may be a personwho uses the user input system 140 to execute resource transfers usingone or more applications stored thereon. The one or more applicationsmay be configured to communicate with the system 130, execute atransaction, input information onto a user interface presented on theuser input system 140, or the like. The applications stored on the userinput system 140 and the system 130 may incorporate one or more parts ofany process flow described herein.

As shown in FIG. 1, the system 130, and the user input system 140 areeach operatively and selectively connected to the network 110, which mayinclude one or more separate networks. In addition, the network 110 mayinclude a telecommunication network, local area network (LAN), a widearea network (WAN), and/or a global area network (GAN), such as theInternet. It will also be understood that the network 110 may be secureand/or unsecure and may also include wireless and/or wired and/oroptical interconnection technology.

In some embodiments, the system 130 and the user input system 140 may beused to implement the processes described herein, including themobile-side and server-side processes for installing a computer programfrom a mobile device to a computer, in accordance with an embodiment ofthe present invention. The system 130 is intended to represent variousforms of digital computers, such as laptops, desktops, workstations,personal digital assistants, servers, blade servers, mainframes, andother appropriate computers. The user input system 140 is intended torepresent various forms of mobile devices, such as personal digitalassistants, cellular telephones, smartphones, and other similarcomputing devices. The components shown here, their connections andrelationships, and their functions, are meant to be exemplary only, andare not meant to limit implementations of the inventions describedand/or claimed in this document.

In accordance with some embodiments, the system 130 may include aprocessor 102, memory 104, a storage device 106, a high-speed interface108 connecting to memory 104, and a low-speed interface 112 connectingto low speed bus 114 and storage device 106. Each of the components 102,104, 106, 108, 111, and 112 are interconnected using various buses, andmay be mounted on a common motherboard or in other manners asappropriate. The processor 102 can process instructions for executionwithin the system 130, including instructions stored in the memory 104or on the storage device 106 to display graphical information for a GUIon an external input/output device, such as display 116 coupled to ahigh-speed interface 108. In other implementations, multiple processorsand/or multiple buses may be used, as appropriate, along with multiplememories and types of memory. Also, multiple systems, same or similar tosystem 130 may be connected, with each system providing portions of thenecessary operations (e.g., as a server bank, a group of blade servers,or a multi-processor system). In some embodiments, the system 130 may bea server managed by the business. The system 130 may be located at thefacility associated with the business or remotely from the facilityassociated with the business.

The memory 104 stores information within the system 130. In oneimplementation, the memory 104 is a volatile memory unit or units, suchas volatile random access memory (RAM) having a cache area for thetemporary storage of information. In another implementation, the memory104 is a non-volatile memory unit or units. The memory 104 may also beanother form of computer-readable medium, such as a magnetic or opticaldisk, which may be embedded and/or may be removable. The non-volatilememory may additionally or alternatively include an EEPROM, flashmemory, and/or the like. The memory 104 may store any one or more ofpieces of information and data used by the system in which it resides toimplement the functions of that system. In this regard, the system maydynamically utilize the volatile memory over the non-volatile memory bystoring multiple pieces of information in the volatile memory, therebyreducing the load on the system and increasing the processing speed.

The storage device 106 is capable of providing mass storage for thesystem 130. In one aspect, the storage device 106 may be or contain acomputer-readable medium, such as a floppy disk device, a hard diskdevice, an optical disk device, or a tape device, a flash memory orother similar solid state memory device, or an array of devices,including devices in a storage area network or other configurations. Acomputer program product can be tangibly embodied in an informationcarrier. The computer program product may also contain instructionsthat, when executed, perform one or more methods, such as thosedescribed above. The information carrier may be a non-transitorycomputer- or machine-readable storage medium, such as the memory 104,the storage device 104, or memory on processor 102.

In some embodiments, the system 130 may be configured to access, via the110, a number of other computing devices (not shown). In this regard,the system 130 may be configured to access one or more storage devicesand/or one or more memory devices associated with each of the othercomputing devices. In this way, the system 130 may implement dynamicallocation and de-allocation of local memory resources among multiplecomputing devices in a parallel or distributed system. Given a group ofcomputing devices and a collection of interconnected local memorydevices, the fragmentation of memory resources is rendered irrelevant byconfiguring the system 130 to dynamically allocate memory based onavailability of memory either locally, or in any of the other computingdevices accessible via the network. In effect, it appears as though thememory is being allocated from a central pool of memory, even though thespace is distributed throughout the system. This method of dynamicallyallocating memory provides increased flexibility when the data sizechanges during the lifetime of an application, and allows memory reusefor better utilization of the memory resources when the data sizes arelarge.

The high-speed interface 1408 manages bandwidth-intensive operations forthe system 130, while the low speed controller 112 manages lowerbandwidth-intensive operations. Such allocation of functions isexemplary only. In some embodiments, the high-speed interface 108 iscoupled to memory 104, display 116 (e.g., through a graphics processoror accelerator), and to high-speed expansion ports 111, which may acceptvarious expansion cards (not shown). In such an implementation,low-speed controller 112 is coupled to storage device 106 and low-speedexpansion port 114. The low-speed expansion port 114, which may includevarious communication ports (e.g., USB, Bluetooth, Ethernet, wirelessEthernet), may be coupled to one or more input/output devices, such as akeyboard, a pointing device, a scanner, or a networking device such as aswitch or router, e.g., through a network adapter.

The system 130 may be implemented in a number of different forms, asshown in FIG. 1. For example, it may be implemented as a standardserver, or multiple times in a group of such servers. Additionally, thesystem 130 may also be implemented as part of a rack server system or apersonal computer such as a laptop computer. Alternatively, componentsfrom system 130 may be combined with one or more other same or similarsystems and an entire system 140 may be made up of multiple computingdevices communicating with each other.

FIG. 1 also illustrates a user input system 140, in accordance with anembodiment of the invention. The user input system 140 includes aprocessor 152, memory 154, an input/output device such as a display 156,a communication interface 158, and a transceiver 160, among othercomponents. The user input system 140 may also be provided with astorage device, such as a microdrive or other device, to provideadditional storage. Each of the components 152, 154, 158, and 160, areinterconnected using various buses, and several of the components may bemounted on a common motherboard or in other manners as appropriate.

The processor 152 is configured to execute instructions within the userinput system 140, including instructions stored in the memory 154. Theprocessor may be implemented as a chipset of chips that include separateand multiple analog and digital processors. The processor may beconfigured to provide, for example, for coordination of the othercomponents of the user input system 140, such as control of userinterfaces, applications run by user input system 140, and wirelesscommunication by user input system 140.

The processor 152 may be configured to communicate with the user throughcontrol interface 164 and display interface 166 coupled to a display156. The display 156 may be, for example, a TFT LCD(Thin-Film-Transistor Liquid Crystal Display) or an OLED (Organic LightEmitting Diode) display, or other appropriate display technology. Thedisplay interface 156 may comprise appropriate circuitry and configuredfor driving the display 156 to present graphical and other informationto a user. The control interface 164 may receive commands from a userand convert them for submission to the processor 152. In addition, anexternal interface 168 may be provided in communication with processor152, so as to enable near area communication of user input system 140with other devices. External interface 168 may provide, for example, forwired communication in some implementations, or for wirelesscommunication in other implementations, and multiple interfaces may alsobe used.

The memory 154 stores information within the user input system 140. Thememory 154 can be implemented as one or more of a computer-readablemedium or media, a volatile memory unit or units, or a non-volatilememory unit or units. Expansion memory may also be provided andconnected to user input system 140 through an expansion interface (notshown), which may include, for example, a SIMM (Single In Line MemoryModule) card interface. Such expansion memory may provide extra storagespace for user input system 140, or may also store applications or otherinformation therein. In some embodiments, expansion memory may includeinstructions to carry out or supplement the processes described above,and may include secure information also. For example, expansion memorymay be provided as a security module for user input system 140, and maybe programmed with instructions that permit secure use of user inputsystem 140. In addition, secure applications may be provided via theSIMM cards, along with additional information, such as placingidentifying information on the SIMM card in a non-hackable manner. Insome embodiments, the user may use the applications to execute processesdescribed with respect to the process flows described herein.Specifically, the application executes the process flows describedherein. It will be understood that the one or more applications storedin the system 130 and/or the user computing system 140 may interact withone another and may be configured to implement any one or more portionsof the various user interfaces and/or process flow described herein.

The memory 154 may include, for example, flash memory and/or NVRAMmemory. In one aspect, a computer program product is tangibly embodiedin an information carrier. The computer program product containsinstructions that, when executed, perform one or more methods, such asthose described herein. The information carrier is a computer- ormachine-readable medium, such as the memory 154, expansion memory,memory on processor 152, or a propagated signal that may be received,for example, over transceiver 160 or external interface 168.

In some embodiments, the user may use the user input system 140 totransmit and/or receive information or commands to and from the system130. In this regard, the system 130 may be configured to establish acommunication link with the user input system 140, whereby thecommunication link establishes a data channel (wired or wireless) tofacilitate the transfer of data between the user input system 140 andthe system 130. In doing so, the system 130 may be configured to accessone or more aspects of the user input system 140, such as, a GPS device,an image capturing component (e.g., camera), a microphone, a speaker, orthe like.

The user input system 140 may communicate with the system 130 (and oneor more other devices) wirelessly through communication interface 158,which may include digital signal processing circuitry where necessary.Communication interface 158 may provide for communications under variousmodes or protocols, such as GSM voice calls, SMS, EMS, or MMS messaging,CDMA, TDMA, PDC, WCDMA, CDMA2000, or GPRS, among others. Suchcommunication may occur, for example, through radio-frequencytransceiver 160. In addition, short-range communication may occur, suchas using a Bluetooth, Wi-Fi, or other such transceiver (not shown). Inaddition, GPS (Global Positioning System) receiver module 170 mayprovide additional navigation—and location-related wireless data to userinput system 140, which may be used as appropriate by applicationsrunning thereon, and in some embodiments, one or more applicationsoperating on the system 130.

The user input system 140 may also communicate audibly using audio codec162, which may receive spoken information from a user and convert it tousable digital information. Audio codec 162 may likewise generateaudible sound for a user, such as through a speaker, e.g., in a handsetof user input system 140. Such sound may include sound from voicetelephone calls, may include recorded sound (e.g., voice messages, musicfiles, etc.) and may also include sound generated by one or moreapplications operating on the user input system 140, and in someembodiments, one or more applications operating on the system 130.

Various implementations of the systems and techniques described here canbe realized in digital electronic circuitry, integrated circuitry,specially designed ASICs (application specific integrated circuits),computer hardware, firmware, software, and/or combinations thereof.These various implementations can include implementation in one or morecomputer programs that are executable and/or interpretable on aprogrammable system including at least one programmable processor, whichmay be special or general purpose, coupled to receive data andinstructions from, and to transmit data and instructions to, a storagesystem, at least one input device, and at least one output device.

These computer programs (also known as programs, software, softwareapplications or code) include machine instructions for a programmableprocessor, and can be implemented in a high-level procedural and/orobject-oriented programming language, and/or in assembly/machinelanguage. As used herein, the terms “machine-readable medium”“computer-readable medium” refers to any computer program product,apparatus and/or device (e.g., magnetic discs, optical disks, memory,Programmable Logic Devices (PLDs)) used to provide machine instructionsand/or data to a programmable processor, including a machine-readablemedium that receives machine instructions as a machine-readable signal.The term “machine-readable signal” refers to any signal used to providemachine instructions and/or data to a programmable processor.

To provide for interaction with a user, the systems and techniquesdescribed here can be implemented on a computer having a display device(e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor)for displaying information to the user and a keyboard and a pointingdevice (e.g., a mouse or a trackball) by which the user can provideinput to the computer. Other kinds of devices can be used to provide forinteraction with a user as well; for example, feedback provided to theuser can be any form of sensory feedback (e.g., visual feedback,auditory feedback, or tactile feedback); and input from the user can bereceived in any form, including acoustic, speech, or tactile input.

The systems and techniques described here can be implemented in acomputing system that includes a back end component (e.g., as a dataserver), or that includes a middleware component (e.g., an applicationserver), or that includes a front end component (e.g., a client computerhaving a graphical user interface or a Web browser through which a usercan interact with an implementation of the systems and techniquesdescribed here), or any combination of such back end, middleware, orfront end components. The components of the system can be interconnectedby any form or medium of digital data communication (e.g., acommunication network). Examples of communication networks include alocal area network (“LAN”), a wide area network (“WAN”), and theInternet.

The computing system can include clients and servers. A client andserver are generally remote from each other and typically interactthrough a communication network. The relationship of client and serverarises by virtue of computer programs running on the respectivecomputers and having a client-server relationship to each other.

It will be understood that the embodiment of the system environmentillustrated in FIG. 1 is exemplary and that other embodiments may vary.As another example, in some embodiments, the system 130 includes more,less, or different components. As another example, in some embodiments,some or all of the portions of the system environment 100 may becombined into a single portion. Likewise, in some embodiments, some orall of the portions of the system 130 may be separated into two or moredistinct portions.

Conventional resource distribution processing systems receive requestsfor resource distribution and process these requests without interactionfrom a user associated with specific resource repositories. However, ifa user desires to stop resource distribution in specific instances withrespect to certain merchant entities or products from the merchantentities, the user must contact the entity managing the resourcerepository, communicate the request to initiate an operational decisionrule to alter the distribution of resources (such as requesting astop-payment), and the entity managing the resource repository typicallymust then communicate the request to one or more third party systemsthat manage resource distribution channels. The third party system maythen restrict resource distribution to the specific merchant entity viathe specific resource distribution channel. In addition, the third partysystem may require consideration to implement this operational decisionrule, and there may be some delay involved in implementing theoperational decision rule. However, there are no such restrictions onresource distributions to the same merchant entity on other resourcedistribution channels. Additionally, users are left with limitedcapacity for initiating operational decision rules in a timely andreliable manner. The present invention provides the functional benefitof creating a platform for initiating user-driven operational decisionrules at the entity level where the resource repository is located. Inthis regard, the present invention utilizes data from resource requestsin order to either authorize or deny the release of resources from theresource repository associated with the user based on user-definedcharacteristics. In addition to utilizing data from resource requests,the present invention utilizes a resource distribution decision matrixto either override or acknowledge the decision to either authorize ordeny the release of resources from the resource repository associatedwith the user. Additionally, instead of completely restricting resourcedistribution on a binary “authorize or deny” basis, the operationaldecision rules employed by the present invention may be tailored torestrict based on a certain resource amount, specific time of day,specific third party system, specific product code, and the like.

FIG. 2 illustrates a process flow for authorization of resourceallocation across an electronic network environment 200, in accordancewith an embodiment of the invention. As shown in block 202, the processflow includes electronically receiving, from a computing deviceassociated with a first entity, a resource distribution request fordistribution of resources from a resource repository of a user to thefirst entity. In some embodiments, the first entity is associated withone or more entities. In some embodiments, the one or more entities,including the first entity, are merchant entities.

Next, as shown in block 204, the process flow includes retrieving one ormore operational decision rules associated with the first entity. Insome embodiments, the one or more operational decision rules areassociated with the distribution of resources from the resourcerepository of the user to the first entity. In some embodiments, thesystem may be configured to receive, from a computing device of theuser, the one or more operational decision rules specific to one or moreresource repositories associated with the user. In this regard, thesystem may be configured to transmit control signals configured to causethe computing device of the user to display a user interface whichprovides a set of options for the user to select. In one aspect, theuser interface may be displayed to the user via a stand-aloneapplication, a website via a web browser associated with the computingdevice, or may be included under a set of options under a resourcemanagement application. The user may set a number of operationaldecision rules for each of their one or more resource repositories. Forinstance, the user may wish to restrict (e.g., implement a rule block)the outflow of resources from a specific resource repository. This couldbe done in a number of ways; for instance, the user may wish to restrictthe distribution of resources based on at least a resource amount,resource distribution frequency, resource distribution recipient entity,and/or other user-defined criteria. Accordingly, the restriction on thedistribution of resources may be a complete restriction on thedistribution of resources, while in other embodiments the user maychoose to set a specific limit or threshold on the distribution ofresources. For instance, the restriction might be limited to a certainresource level, a temporal threshold, a specific resource distributionrecipient entity, one or more authorized users of the resourcerepositories, a certain payment instrument, and/or the like. In someembodiments, the system may be configured to enable the user toconfigure more than one resource repository by applying the operationaldecision rules to more than one resource repository at a time.

Next, as shown in block 206, the process flow includes denying thedistribution of resources from the resource repository of the user tothe first entity based on at least retrieving the one or moreoperational decision rules associated with the first entity. Theadvantage of authorizing or denying a request at this stage is that theuser may have complete control over the resources leaving the resourcerepository before they are distributed. Resource distribution recipiententities with large footprints in the market tend to operate in manyresource groups ranging from e-commerce, logistics and payments, tohardware data storage, and media. Users who are customers of suchresource distribution recipient entities, when dealing with suchentities tend to transact with a wide range of resource groups under asingle banner. In embodiments where the operational decision rules arebased on the name of the resource distribution recipient entity, theoperational decision rules may, in some instances, deny the distributionof resources to a resource distribution recipient entity altogetherwhile the intended restriction was related to a specific resource groupassociated with the resource distribution recipient entity. In otherinstances, the operational decision rules may allow (e.g., white list)the distribution of resources to all resource groups associated with aresource distribution entity while the intended restriction was relatedto restricting the distribution of resources to a specific resourcegroup associated with the resource distribution recipient entity. Tosolve for this issue, the present invention introduces the resourcedistribution decision matrix configured to be overlaid over theoperational decision rules to reduce the number of false positives orfalse negatives when permissioning the distribution of resources.

Next, as shown in block 208, the process flow includes electronicallyretrieving, from the resource distribution authorization database, atleast one resource distribution decision matrix associated with thefirst entity. In this regard, the system may be configured to initiate acommunication link with a resource distribution authorization database,wherein the resource distribution authorization database comprises oneor more resource distribution decision matrix for one or more resourcedistribution requests associated with the one or more entities. In someembodiments, the resource distribution decision matrix includes one ormore conditions associated with the one or more resource distributionrequests associated with the one or more entities, wherein the one ormore conditions are associated with the one or more operationaldecisions associated with the one or more resource distribution requestsassociated with the one or more entities. In embodiments where theoperational decision rules are based on the name of the resourcedistribution recipient entity, the conditions associated with theresource distribution decision matrix may include “starts with,”“contains,” “is exactly,” or “ends with” to further narrow the action tobe executed on the distribution of resources. For example, assume thatthe user's intention is to restrict distribution of resources to aspecific group associated with the resource distribution recipiententity, but the operational decision rules received indicate the name ofthe resource distribution recipient entity. In such cases, the resourcedistribution decision matrix may be used to further narrow the rules bydetermining whether the incoming resource distribution request“contains” a specific term indicating the resource group that the userintends to stop resource distribution to, or “starts with” a specificterm that indicates an exception to the operational decision rules, or“is exactly” the term that is meant to be a catch-all option, or “endswith” a specific term that indicates an exception to the operationaldecision rules.

In some embodiments, the system may be configured to electronicallyreceive, via a computing device associated with an administrator, theone or more conditions associated with the one or more resourcedistribution requests associated with the one or more entities. In oneaspect, the administrator may be a user with proper authenticationcredentials to modify, delete, or in any way access the conditionsassociated with the resource distribution decision matrix. In responseto receiving the conditions, the system may be configured to update theresource distribution decision matrix with the one or more conditions.

In some embodiments, the system may be configured to electronicallyreceive information associated with the one or more resourcedistribution requests that have been authorized or denied based on theone or more operational decisions. In addition, the system may beconfigured to electronically receive, via a computing device associatedwith the user, one or more user inputs validating the authorization ordenial of the one or more resource distribution requests. In response,the system may be configured to implement one or more machine learningalgorithms on the information associated with the one or more resourcedistribution requests that have been authorized or denied based on theone or more operational decisions, the one or more operationaldecisions, and the one or more user inputs validating the authorizationor denial of the one or more resource distribution requests. In thisregard, the system may be configured to employ any suitable machinelearning including one or more of: supervised learning (e.g., usinglogistic regression, using back propagation neural networks, usingrandom forests, decision trees, etc.), unsupervised learning (e.g.,using an Apriori algorithm, using K-means clustering), semi-supervisedlearning, reinforcement learning (e.g., using a Q-learning algorithm,using temporal difference learning), and any other suitable learningstyle. Each module of the plurality can implement any one or more of: aregression algorithm (e.g., ordinary least squares, logistic regression,stepwise regression, multivariate adaptive regression splines, locallyestimated scatterplot smoothing, etc.), an instance-based method (e.g.,k-nearest neighbor, learning vector quantization, self-organizing map,etc.), a regularization method (e.g., ridge regression, least absoluteshrinkage and selection operator, elastic net, etc.), a decision treelearning method (e.g., classification and regression tree, iterativedichotomiser 3, C4.5, chi-squared automatic interaction detection,decision stump, random forest, multivariate adaptive regression splines,gradient boosting machines, etc.), a Bayesian method (e.g., naïve Bayes,averaged one-dependence estimators, Bayesian belief network, etc.), akernel method (e.g., a support vector machine, a radial basis function,a linear discriminate analysis, etc.), a clustering method (e.g.,k-means clustering, expectation maximization, etc.), an associated rulelearning algorithm (e.g., an Apriori algorithm, an Eclat algorithm,etc.), an artificial neural network model (e.g., a Perceptron method, aback-propagation method, a Hopfield network method, a self-organizingmap method, a learning vector quantization method, etc.), a deeplearning algorithm (e.g., a restricted Boltzmann machine, a deep beliefnetwork method, a convolution network method, a stacked auto-encodermethod, etc.), a dimensionality reduction method (e.g., principalcomponent analysis, partial least squares regression, Sammon mapping,multidimensional scaling, projection pursuit, etc.), an ensemble method(e.g., boosting, bootstrapped aggregation, AdaBoost, stackedgeneralization, gradient boosting machine method, random forest method,etc.), and any suitable form of machine learning algorithm. Eachprocessing portion of the system 100 can additionally or alternativelyleverage: a probabilistic module, heuristic module, deterministicmodule, or any other suitable module leveraging any other suitablecomputation method, machine learning method or combination thereof.However, any suitable machine learning approach can otherwise beincorporated in the system 100. Further, any suitable model (e.g.,machine learning, non-machine learning, etc.) can be used in generatingdata relevant to the system 130.

In response to implementing the one or more machine learning algorithms,the system may be configured to classify the one or more resourcedistribution requests. Based on the classification of the resourcedistribution requests, the system may be configured to generate the oneor more conditions associated with the one or more resource distributionrequests associated with the one or more entities. In response, thesystem may be configured to update the resource distribution decisionmatrix with the one or more generated conditions.

Next, as shown in block 210, the process flow includes overriding thedenial of the distribution of the resources from the resource repositoryof the user to the first entity based on at least the resourcedistribution decision matrix. In this regard, the system may beconfigured to determine that while the operational decision ruleindicates the denial of distribution of resources to the specificresource distribution recipient entity, the resource distributiondecision matrix indicates an exception. Accordingly, the system may beconfigured to override the denial indicated in the operational decisionrules with the resource distribution decision matrix. Similarly, in someembodiments, if the operational decision rules indicate allowing thedistribution of resources from the resource repository of the user tothe resource distribution recipient entity, the system may be configuredto override the allowance of the distribution of the resources from theresource distribution repository of the user to the first entity if theresource distribution decision matrix indicates otherwise.

Next, as shown in block 212, the process flow includes initiating anexecution of the distribution of resources associated with the resourcedistribution request. If response to overriding the override the denialindicated in the operational decision rules with the resourcedistribution decision matrix, the system may be configured to initiatean execution of the distribution of resources associated with theresource distribution request.

As will be appreciated by one of ordinary skill in the art in view ofthis disclosure, the present invention may include and/or be embodied asan apparatus (including, for example, a system, machine, device,computer program product, and/or the like), as a method (including, forexample, a business method, computer-implemented process, and/or thelike), or as any combination of the foregoing. Accordingly, embodimentsof the present invention may take the form of an entirely businessmethod embodiment, an entirely software embodiment (including firmware,resident software, micro-code, stored procedures in a database, or thelike), an entirely hardware embodiment, or an embodiment combiningbusiness method, software, and hardware aspects that may generally bereferred to herein as a “system.” Furthermore, embodiments of thepresent invention may take the form of a computer program product thatincludes a computer-readable storage medium having one or morecomputer-executable program code portions stored therein. As usedherein, a processor, which may include one or more processors, may be“configured to” perform a certain function in a variety of ways,including, for example, by having one or more general-purpose circuitsperform the function by executing one or more computer-executableprogram code portions embodied in a computer-readable medium, and/or byhaving one or more application-specific circuits perform the function.

It will be understood that any suitable computer-readable medium may beutilized. The computer-readable medium may include, but is not limitedto, a non-transitory computer-readable medium, such as a tangibleelectronic, magnetic, optical, electromagnetic, infrared, and/orsemiconductor system, device, and/or other apparatus. For example, insome embodiments, the non-transitory computer-readable medium includes atangible medium such as a portable computer diskette, a hard disk, arandom access memory (RAM), a read-only memory (ROM), an erasableprogrammable read-only memory (EPROM or Flash memory), a compact discread-only memory (CD-ROM), and/or some other tangible optical and/ormagnetic storage device. In other embodiments of the present invention,however, the computer-readable medium may be transitory, such as, forexample, a propagation signal including computer-executable program codeportions embodied therein.

One or more computer-executable program code portions for carrying outoperations of the present invention may include object-oriented,scripted, and/or unscripted programming languages, such as, for example,Java, Perl, Smalltalk, C++, SAS, SQL, Python, Objective C, JavaScript,and/or the like. In some embodiments, the one or morecomputer-executable program code portions for carrying out operations ofembodiments of the present invention are written in conventionalprocedural programming languages, such as the “C” programming languagesand/or similar programming languages. The computer program code mayalternatively or additionally be written in one or more multi-paradigmprogramming languages, such as, for example, F #.

Some embodiments of the present invention are described herein withreference to flowchart illustrations and/or block diagrams of apparatusand/or methods. It will be understood that each block included in theflowchart illustrations and/or block diagrams, and/or combinations ofblocks included in the flowchart illustrations and/or block diagrams,may be implemented by one or more computer-executable program codeportions. These one or more computer-executable program code portionsmay be provided to a processor of a general purpose computer, specialpurpose computer, and/or some other programmable data processingapparatus in order to produce a particular machine, such that the one ormore computer-executable program code portions, which execute via theprocessor of the computer and/or other programmable data processingapparatus, create mechanisms for implementing the steps and/or functionsrepresented by the flowchart(s) and/or block diagram block(s).

The one or more computer-executable program code portions may be storedin a transitory and/or non-transitory computer-readable medium (e.g. amemory) that can direct, instruct, and/or cause a computer and/or otherprogrammable data processing apparatus to function in a particularmanner, such that the computer-executable program code portions storedin the computer-readable medium produce an article of manufactureincluding instruction mechanisms which implement the steps and/orfunctions specified in the flowchart(s) and/or block diagram block(s).

The one or more computer-executable program code portions may also beloaded onto a computer and/or other programmable data processingapparatus to cause a series of operational steps to be performed on thecomputer and/or other programmable apparatus. In some embodiments, thisproduces a computer-implemented process such that the one or morecomputer-executable program code portions which execute on the computerand/or other programmable apparatus provide operational steps toimplement the steps specified in the flowchart(s) and/or the functionsspecified in the block diagram block(s). Alternatively,computer-implemented steps may be combined with, and/or replaced with,operator- and/or human-implemented steps in order to carry out anembodiment of the present invention.

Although many embodiments of the present invention have just beendescribed above, the present invention may be embodied in many differentforms and should not be construed as limited to the embodiments setforth herein; rather, these embodiments are provided so that thisdisclosure will satisfy applicable legal requirements. Also, it will beunderstood that, where possible, any of the advantages, features,functions, devices, and/or operational aspects of any of the embodimentsof the present invention described and/or contemplated herein may beincluded in any of the other embodiments of the present inventiondescribed and/or contemplated herein, and/or vice versa. In addition,where possible, any terms expressed in the singular form herein aremeant to also include the plural form and/or vice versa, unlessexplicitly stated otherwise. Accordingly, the terms “a” and/or “an”shall mean “one or more,” even though the phrase “one or more” is alsoused herein. Like numbers refer to like elements throughout.

While certain exemplary embodiments have been described and shown in theaccompanying drawings, it is to be understood that such embodiments aremerely illustrative of and not restrictive on the broad invention, andthat this invention not be limited to the specific constructions andarrangements shown and described, since various other changes,combinations, omissions, modifications and substitutions, in addition tothose set forth in the above paragraphs, are possible. Those skilled inthe art will appreciate that various adaptations, modifications, andcombinations of the just described embodiments can be configured withoutdeparting from the scope and spirit of the invention. Therefore, it isto be understood that, within the scope of the appended claims, theinvention may be practiced other than as specifically described herein.

What is claimed is:
 1. A system for authorization of resource allocationacross an electronic network environment, the system comprising: atleast one non-transitory storage device; and at least one processingdevice coupled to the at least one non-transitory storage device,wherein the at least one processing device is configured to:electronically receive, from a computing device associated with a firstentity, a resource distribution request for distribution of resourcesfrom a resource repository of a user to the first entity, wherein thefirst entity is associated with one or more entities; retrieve one ormore operational decision rules associated with the first entity,wherein the one or more operational decision rules are associated withthe distribution of resources from the resource repository of the userto the first entity; deny the distribution of resources from theresource repository of the user to the first entity based on at leastretrieving the one or more operational decision rules associated withthe first entity; initiate a communication link with a resourcedistribution authorization database, wherein the resource distributionauthorization database comprises one or more resource distributiondecision matrix for one or more resource distribution requestsassociated with the one or more entities; electronically retrieve, fromthe resource distribution authorization database, at least one resourcedistribution decision matrix associated with the first entity; overridethe denial of the distribution of the resources from the resourcerepository of the user to the first entity based on at least theresource distribution decision matrix; and initiate an execution of thedistribution of resources associated with the resource distributionrequest.
 2. The system of claim 1, wherein the at least one processingdevice is further configured to: allow the distribution of resourcesfrom the resource repository of the user to the first entity based on atleast retrieving the one or more operational decision rules associatedwith the first entity; electronically retrieve, from the resourcedistribution authorization database, the at least one resourcedistribution decision matrix associated with the first entity; overridethe allowance of the distribution of the resources from the resourcerepository of the user to the first entity based on at least theresource distribution decision matrix; and deny the distribution ofresources from the resource repository of the user to the first entity.3. The system of claim 1, wherein the one or more operational decisionrules further comprises restrictions for distribution of resources basedon at least a resource amount, resource distribution frequency, resourcedistribution recipient entity, and/or other user-defined criteria. 4.The system of claim 1, wherein the resource distribution decision matrixcomprises one or more conditions associated with the one or moreresource distribution requests associated with the one or more entities,wherein the one or more conditions are associated with the one or moreoperational decision rules associated with the one or more resourcedistribution requests associated with the one or more entities.
 5. Thesystem of claim 4, wherein the at least one processing device is furtherconfigured to: electronically receive, via a computing device associatedwith an administrator, the one or more conditions associated with theone or more resource distribution requests associated with the one ormore entities; and update the resource distribution decision matrix withthe one or more conditions.
 6. The system of claim 5, wherein the atleast one processing device is further configured to: electronicallyreceive information associated with the one or more resourcedistribution requests that have been authorized or denied based on theone or more operational decision rules; electronically receive, via acomputing device associated with the user, one or more user inputsvalidating the authorization or denial of the one or more resourcedistribution requests; implement one or more machine learning algorithmson the information associated with the one or more resource distributionrequests that have been authorized or denied based on the one or moreoperational decision rules, the one or more operational decision rules,and the one or more user inputs validating the authorization or denialof the one or more resource distribution requests; and classify the oneor more resource distribution requests based on at least implementingthe one or more machine learning algorithms.
 7. The system of claim 6,wherein the at least one processing device is further configured to:electronically receive the classification of the one or more resourcedistribution requests; generate the one or more conditions associatedwith the one or more resource distribution requests associated with theone or more entities based on at least receiving the classification ofthe one or more resource distribution requests; and update the resourcedistribution decision matrix with the one or more generated conditions.8. A computer implemented method for authorization of resourceallocation across an electronic network environment, the methodcomprising: electronically receiving, from a computing device associatedwith a first entity, a resource distribution request for distribution ofresources from a resource repository of a user to the first entity,wherein the first entity is associated with one or more entities;retrieving one or more operational decision rules associated with thefirst entity, wherein the one or more operational decision rules areassociated with the distribution of resources from the resourcerepository of the user to the first entity; denying the distribution ofresources from the resource repository of the user to the first entitybased on at least retrieving the one or more operational decision rulesassociated with the first entity; initiating a communication link with aresource distribution authorization database, wherein the resourcedistribution authorization database comprises one or more resourcedistribution decision matrix for one or more resource distributionrequests associated with the one or more entities; electronicallyretrieving, from the resource distribution authorization database, atleast one resource distribution decision matrix associated with thefirst entity; overriding the denial of the distribution of the resourcesfrom the resource repository of the user to the first entity based on atleast the resource distribution decision matrix; and initiating anexecution of the distribution of resources associated with the resourcedistribution request.
 9. The method of claim 8, where the method furthercomprises: allowing the distribution of resources from the resourcerepository of the user to the first entity based on at least retrievingthe one or more operational decision rules associated with the firstentity; electronically retrieving, from the resource distributionauthorization database, the at least one resource distribution decisionmatrix associated with the first entity; overriding the allowance of thedistribution of the resources from the resource repository of the userto the first entity based on at least the resource distribution decisionmatrix; and denying the distribution of resources from the resourcerepository of the user to the first entity.
 10. The method of claim 8,wherein the one or more operational decision rules further comprisesrestrictions for distribution of resources based on at least a resourceamount, resource distribution frequency, resource distribution recipiententity, and/or other user-defined criteria.
 11. The method of claim 8,wherein the resource distribution decision matrix comprises one or moreconditions associated with the one or more resource distributionrequests associated with the one or more entities, wherein the one ormore conditions are associated with the one or more operational decisionrules associated with the one or more resource distribution requestsassociated with the one or more entities.
 12. The method of claim 11,wherein the method further comprises: electronically receiving, via acomputing device associated with an administrator, the one or moreconditions associated with the one or more resource distributionrequests associated with the one or more entities; and updating theresource distribution decision matrix with the one or more conditions.13. The method of claim 12, wherein the method further comprises:electronically receiving information associated with the one or moreresource distribution requests that have been authorized or denied basedon the one or more operational decision rules; electronically receiving,via a computing device associated with the user, one or more user inputsvalidating the authorization or denial of the one or more resourcedistribution requests; implementing one or more machine learningalgorithms on the information associated with the one or more resourcedistribution requests that have been authorized or denied based on theone or more operational decision rules, the one or more operationaldecision rules, and the one or more user inputs validating theauthorization or denial of the one or more resource distributionrequests; and classifying the one or more resource distribution requestsbased on at least implementing the one or more machine learningalgorithms.
 14. The method of claim 13, wherein the method furthercomprises: electronically receiving the classification of the one ormore resource distribution requests; generating the one or moreconditions associated with the one or more resource distributionrequests associated with the one or more entities based on at leastreceiving the classification of the one or more resource distributionrequests; and updating the resource distribution decision matrix withthe one or more generated conditions.
 15. A computer program product forauthorization of resource allocation across an electronic networkenvironment, the computer program product comprising a non-transitorycomputer-readable medium comprising code causing a first apparatus to:electronically receive, from a computing device associated with a firstentity, a resource distribution request for distribution of resourcesfrom a resource repository of a user to the first entity, wherein thefirst entity is associated with one or more entities; retrieve one ormore operational decision rules associated with the first entity,wherein the one or more operational decision rules are associated withthe distribution of resources from the resource repository of the userto the first entity; deny the distribution of resources from theresource repository of the user to the first entity based on at leastretrieving the one or more operational decision rules associated withthe first entity; initiate a communication link with a resourcedistribution authorization database, wherein the resource distributionauthorization database comprises one or more resource distributiondecision matrix for one or more resource distribution requestsassociated with the one or more entities; electronically retrieve, fromthe resource distribution authorization database, at least one resourcedistribution decision matrix associated with the first entity; overridethe denial of the distribution of the resources from the resourcerepository of the user to the first entity based on at least theresource distribution decision matrix; and initiate an execution of thedistribution of resources associated with the resource distributionrequest.
 16. The computer program product of claim 15, wherein the firstapparatus is further configured to: allow the distribution of resourcesfrom the resource repository of the user to the first entity based on atleast retrieving the one or more operational decision rules associatedwith the first entity; electronically retrieve, from the resourcedistribution authorization database, the at least one resourcedistribution decision matrix associated with the first entity; overridethe allowance of the distribution of the resources from the resourcerepository of the user to the first entity based on at least theresource distribution decision matrix; and deny the distribution ofresources from the resource repository of the user to the first entity.17. The computer program product of claim 15, wherein the one or moreoperational decision rules further comprises restrictions fordistribution of resources based on at least a resource amount, resourcedistribution frequency, resource distribution recipient entity, and/orother user-defined criteria.
 18. The computer program product of claim15, wherein the resource distribution decision matrix comprises one ormore conditions associated with the one or more resource distributionrequests associated with the one or more entities, wherein the one ormore conditions are associated with the one or more operational decisionrules associated with the one or more resource distribution requestsassociated with the one or more entities.
 19. The computer programproduct of claim 18, wherein the first apparatus is further configuredto: electronically receive, via a computing device associated with anadministrator, the one or more conditions associated with the one ormore resource distribution requests associated with the one or moreentities; and update the resource distribution decision matrix with theone or more conditions.
 20. The computer program product of claim 19,wherein the first apparatus is further configured to: electronicallyreceive information associated with the one or more resourcedistribution requests that have been authorized or denied based on theone or more operational decision rules; electronically receive, via acomputing device associated with the user, one or more user inputsvalidating the authorization or denial of the one or more resourcedistribution requests; implement one or more machine learning algorithmson the information associated with the one or more resource distributionrequests that have been authorized or denied based on the one or moreoperational decision rules, the one or more operational decision rules,and the one or more user inputs validating the authorization or denialof the one or more resource distribution requests; and classify the oneor more resource distribution requests based on at least implementingthe one or more machine learning algorithms.